motoinsure rates every major motorcycle insurer on the same five-part scorecard — coverage, pricing, claims, customer service, and financial strength — so a rider can see, in one place, which carrier actually fits their bike, their record, and their state. No one company wins for every rider. There is a best one for a clean-record commuter on a stock bike, a different best one for an $18,000 custom Harley, and a different one again for a rider who needs an SR-22. This page is the index to all of it: how the ratings work, every provider ranked, and a router that points each rider to the right one.
How we rate providers
Every motoinsure rating traces to a single written scorecard, published in full at our methodology. A provider's overall score is built from five sub-scores, each rated on the same scale and the same evidence for every carrier:
- Coverage — how broad the policy is and what it includes as standard. Custom-parts coverage built into the base policy scores higher than custom-parts sold as a paid add-on.
- Pricing — how competitive the carrier is across rider profiles, treated as a sample range, never invented precision.
- Claims — the structure and record of the claims process.
- Customer service — the service model and how well it serves the rider who chose it.
- Financial strength — the AM Best rating, which measures the insurer's ability to pay claims through a bad year [AM Best, 2025].
Two rules govern every score. First, no provider buys a ranking — there is no pay-to-rank, and a carrier's advertising relationship with the site never moves its score. Second, complaint data comes from regulators, not review stars. motoinsure draws on NAIC and state Department of Insurance records rather than consumer-review aggregate ratings, which are easily gamed and tell a rider little about claims reality [NAIC, 2026].
One honest limit, stated upfront: the NAIC folds motorcycle complaints into the broader private-passenger-auto line rather than reporting them separately. Any review claiming a precise "motorcycle complaint score" for a carrier is extrapolating from auto data. motoinsure flags that gap rather than inventing a figure to fill it.
Provider ratings at a glance
Thirteen carriers, ranked by overall motoinsure score. The score is the starting point — the "best for" column and the full review are where a rider actually decides.
| Provider | Score | Best for | |---|---|---| | Progressive | 4.6 | Broadest standalone coverage; custom and non-standard bikes | | Geico | 4.4 | Lowest premiums; clean-record riders on stock bikes | | USAA | 4.3 | Military-affiliated riders only | | Harley-Davidson Insurance | 4.3 | Harley owners with accessorized, custom bikes | | Allstate | 4.2 | Riders who want a local agent and a home-and-auto bundle | | Nationwide | 4.2 | Riders who want accessory and safety-apparel coverage | | Markel | 4.2 | Touring, sport, custom, and classic bikes | | State Farm | 4.1 | Riders who value a long-term local agent relationship | | Liberty Mutual | 4.0 | Riders bundling with Liberty Mutual home and auto | | Farmers | 4.0 | Riders who want a local Farmers agent | | Foremost | 4.0 | Specialty, custom, and antique bikes; AARP members | | Dairyland | 3.9 | High-risk riders; SR-22 filings | | The General | 3.7 | High-risk riders bundling non-standard auto and motorcycle |
A lower score does not mean a bad carrier. Dairyland and The General sit at the bottom because they are non-standard specialists scored against a market-wide methodology — for a rider standard carriers decline, they are not a compromise, they are the carrier that says yes. Read the score alongside the review, never alone.
Which provider fits which rider
The ranking answers "which is generally strongest." This section answers the more useful question — which fits you — by routing the three riders motoinsure is built for.
The new rider on a budget. Just licensed, on a stock or modest bike, no claims history, optimizing for the lowest first-year premium. Geico is the usual answer: its direct-to-consumer model produces some of the lowest motorcycle quotes in the market, and an A++ AM Best rating [AM Best, 2025] means the savings do not come at the cost of financial strength. The catch is custom-parts coverage, which Geico treats as a paid add-on — fine for a stock bike, a real gap the day that bike gets modified.
The bike-specific buyer. Owns a particular bike with particular coverage needs — a built Harley, a touring rig, a restored classic — and needs the policy to actually pay out on the build. Progressive writes the widest standalone policy, with custom-parts coverage standard in the base form. For a Harley specifically, Harley-Davidson Insurance is built around generous custom-parts limits [Harley-Davidson Insurance, 2026]. For a classic or collector bike, Markel and Foremost are powersports specialists worth a quote. The deciding figure is the aftermarket value on the bike — enough of it, and coverage breadth outweighs a cheaper headline premium.
The state-required buyer with a complicated record. Needs compliant coverage and has a record that standard carriers surcharge or decline — an SR-22 filing, a recent lapse, a DUI. Dairyland is the dedicated non-standard motorcycle specialist; The General is an option for a high-risk household insuring a non-standard car and a bike together. Both cost more than a clean-record rider would pay anywhere — the surcharge prices the underwriting risk these carriers absorb, it is not a fine bolted onto the policy. As the record ages, requalifying with a standard carrier should be the goal.
The rider who wants an agent, not a portal. Prefers one local person managing motorcycle, home, and auto in person. Allstate, State Farm, and Farmers run agent networks built for exactly that. The tradeoff: agent-distributed policies usually price above direct carriers like Geico and Progressive, and the rider pays for the relationship in the premium.
Compare two providers directly
A review answers "is this carrier good." A head-to-head answers the question a rider closer to buying actually asks — "between these two, which one." motoinsure's comparison hub puts the major carriers side by side: Geico against Progressive on price versus coverage, Progressive against State Farm on policy versus agent, Dairyland against The General for the high-risk rider. When the choice is down to two names, start there.
Every rating on this page is updated as carriers change coverage, pricing, and AM Best ratings. The starting move is always the same: find the rider above who matches your situation, read that carrier's full review, and confirm coverage and current rate for your own bike, record, and state before you buy.